CN107944763A - A kind of air control management process for matching somebody with somebody money based on automobile buying finance - Google Patents
A kind of air control management process for matching somebody with somebody money based on automobile buying finance Download PDFInfo
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- CN107944763A CN107944763A CN201711375353.XA CN201711375353A CN107944763A CN 107944763 A CN107944763 A CN 107944763A CN 201711375353 A CN201711375353 A CN 201711375353A CN 107944763 A CN107944763 A CN 107944763A
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- 230000008569 process Effects 0.000 title claims abstract description 26
- 238000007726 management method Methods 0.000 claims description 34
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- 238000012795 verification Methods 0.000 claims description 7
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The invention discloses a kind of based on air control management process of the automobile buying finance with money, it is characterized in that, its total system by, automobile consumption ecological chain comprehensive service platform, official store, order dispatch platform, property rights management information system, parking stall/certificate management system, third-party service platform, national Xian Xia terminals shops, third party's service administrative terminal system, integrated management service terminal and user are formed, it is of the invention to solve the problems, such as well in sale of automobile channel to dealer's buying with the financial risks brought during money, effectively avoid phenomenon of cheating loan, and without artificial collection, financial cost is low, fully achieve overall flow on line and manage process.
Description
Technical Field
The invention belongs to a wind control management process based on automobile purchasing financial financing.
Background
With the increasing of automobile market demand, the capital demand is also increasing explosively, and according to 2016 related data, the total market scale of the automobile financial industry in China is about 1.1 trillion yuan, and the year by year is increased by 12.3%. The 2017 research and development trend analysis report of the Chinese automobile financial industry released by the Chinese industry research network considers that currently, the Chinese automobile financial market is still dominated by commercial banks and automobile financial companies, the total market share exceeds 80%, and mechanisms such as financing leasing companies and Internet financial companies account for less than 20%. However, market share of financing leasing companies, internet finance companies, etc. is further promoted by the interest policy. Currently, China's flashy loan is mainly used for second-hand vehicle mortgage in various places. From the whole automobile financial field, the internet platforms such as melon seed second-hand vehicles, China and the like and some P2P platforms are in the automobile financial field. Behind the active layout of the platform, the internet automotive finance field presents three major disorientations: the admission threshold is low, charging is five-flower and eight-door, wind control is basically reliable to urge to accept, auditing is not strict, cheating and lending are serious, and financial cost is high.
Disclosure of Invention
The invention aims to provide a wind control management process based on automobile purchasing financial allocation.
The technical scheme adopted by the invention for solving the technical problems is as follows:
the utility model provides a wind accuse management flow based on car purchase finance joined in marriage, its characterized in that, its whole system by, car consumption ecological chain comprehensive service platform, official business city, order dispatch platform, property right management information system, parking stall/certificate management system, third party service platform, the terminal store is gone off-line in the whole nation, third party service management terminal system, integrated management service terminal and user constitute, its concrete franchise flow as follows:
the method comprises the following steps: the merchant has an affiliation intent;
step two: a merchant submits an alliance application to an automobile consumption ecological chain comprehensive service platform through a mobile phone official number;
step three: accepting an affiliation by an auditor;
step four: the merchant receives the short message receiving notice;
step five: the merchant verifies the real name;
step six: a merchant submits enterprise or personal data to an ecological chain comprehensive service platform for automobile consumption through a mobile phone;
step seven: the system automatically authenticates the real name;
step eight: the merchant receives the notice of the real-name verification short message;
step nine: the merchant verifies the qualification;
step ten: the merchant uploads the qualification data to the comprehensive service platform of the automobile consumption ecological chain;
step eleven: the examiner checks the qualification data;
step twelve: the merchant receives the notice of the qualification verification short message and formally becomes a partner;
step thirteen: applying for facility library equipment from a merchant to an automobile consumption ecological chain comprehensive service platform;
fourteen steps: the automobile consumption ecological chain comprehensive service platform prepares facility library equipment for a merchant;
step fifteen: the comprehensive service platform of the automobile consumption ecological chain informs the mailing electronic warehouse facility;
sixthly, the steps are as follows: a vehicle consumption ecological chain comprehensive service platform mailing electronic warehouse facility;
seventeen steps: installing facilities;
eighteen steps: butting a wind control platform;
nineteen steps: finishing the franchising;
twenty steps: updating the wind control evaluation information in real time;
in addition, the flow of the consumer when purchasing the automobile is as follows:
the method comprises the following steps: the consumers have buying intention and submit the consumer orders through the official shopping malls, and mutually exchange deposit and carry out intelligent distribution;
step two: paying a fund and signing a purchase-substituting agreement;
step three: applying for loan;
step four: paying off;
step five: paying and placing an order to a supplier, and sending the property right management terminal;
step six: purchasing insurance, installing a property right management terminal to an article, and carrying out logistics delivery;
step seven: the object enters the property right management information system and is tracked in real time in the whole process;
step eight: the object is signed into a position and locked;
step nine: the consumer pays the end money;
step ten: settling accounts;
step eleven: sending an unlocking request;
step twelve: and unlocking and taking the piece by the consumer.
After the scheme is adopted, the financial risk problem brought to the purchasing and financing process of the dealers in the automobile sales channel is well solved, the phenomenon of cheating loan is effectively avoided, manual collection is not needed, the financial cost is low, and the on-line overall process management process is completely realized.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
Drawings
The present invention will be described in detail below with reference to the accompanying drawings so that the above advantages of the present invention will be more apparent. Wherein,
FIG. 1 is a schematic structural diagram of a wind control management process based on automobile procurement financial funding according to the invention;
FIG. 2 is a schematic diagram of the wind management process of the present invention based on the financial funding of automobile procurement;
FIG. 3 is a schematic diagram of the wind control management process based on the automobile purchasing financial funding of the invention.
Detailed Description
The following detailed description of the embodiments of the present invention will be provided with reference to the drawings and examples, so that how to apply the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented. It should be noted that, as long as there is no conflict, the embodiments and the features of the embodiments of the present invention may be combined with each other, and the technical solutions formed are within the scope of the present invention.
The invention carries out omnibearing flow control on the risk in the purchasing and financing process of the automobile merchant by an effective fully-intelligent electronic technical means, and simultaneously combines a contract of 'in-store automobile performance insurance' signed by the company and a human social insurance company, thereby ensuring that the financing process is completely 'zero risk'; the process is briefly as follows: firstly, a car dealer must be registered in a wind control platform for verification, the qualification of the car dealer is ensured, and the relevant risk responsibility of service abnormity in the system flow is borne, then a user or the car dealer can newly build an order in the platform, after paying a payment to the car dealer through a basic order contract and the car dealer, the user gives fund authorization so as to apply for loan from a third party fund source, after receiving the loan, the user gives the supplier fund, simultaneously sends a property right management terminal device to the supplier and purchases insurance in a warehouse, and the like, after receiving the fund and the device, the supplier opens a relevant certificate, and installs the device on a car and sends the car according to the stipulations, so that the car enters a property right management information system in a physical manner, after the car and the like are transported to a car dealer garage by logistics, the system automatically identifies the car to be put in the warehouse, the merchant confirms online, the user pays the rest, and after the merchant settles the rest, the system automatically unlocks the garage and the certificate, the user tries on the vehicle, and the whole process is controlled to be finished. Thereby ensuring risk monitoring in the whole process.
The utility model provides a wind accuse management flow based on car purchase finance joined in marriage, its characterized in that, its whole system by, car consumption ecological chain comprehensive service platform, official business city, order dispatch platform, property right management information system, parking stall/certificate management system, third party service platform, the terminal store is gone off-line in the whole nation, third party service management terminal system, integrated management service terminal and user constitute, its concrete franchise flow as follows:
the method comprises the following steps: the merchant has an affiliation intent;
step two: a merchant submits an alliance application to an automobile consumption ecological chain comprehensive service platform through a mobile phone official number;
step three: accepting an affiliation by an auditor;
step four: the merchant receives the short message receiving notice;
step five: the merchant verifies the real name;
step six: a merchant submits enterprise or personal data to an ecological chain comprehensive service platform for automobile consumption through a mobile phone;
step seven: the system automatically authenticates the real name;
step eight: the merchant receives the notice of the real-name verification short message;
step nine: the merchant verifies the qualification;
step ten: the merchant uploads the qualification data to the comprehensive service platform of the automobile consumption ecological chain;
step eleven: the examiner checks the qualification data;
step twelve: the merchant receives the notice of the qualification verification short message and formally becomes a partner;
step thirteen: applying for facility library equipment from a merchant to an automobile consumption ecological chain comprehensive service platform;
fourteen steps: the automobile consumption ecological chain comprehensive service platform prepares facility library equipment for a merchant;
step fifteen: the comprehensive service platform of the automobile consumption ecological chain informs the mailing electronic warehouse facility;
sixthly, the steps are as follows: a vehicle consumption ecological chain comprehensive service platform mailing electronic warehouse facility;
seventeen steps: installing facilities;
eighteen steps: butting a wind control platform;
nineteen steps: finishing the franchising;
twenty steps: updating the wind control evaluation information in real time;
in addition, the flow of the consumer when purchasing the automobile is as follows:
the method comprises the following steps: the consumers have buying intention and submit the consumer orders through the official shopping malls, and mutually exchange deposit and carry out intelligent distribution;
step two: paying a fund and signing a purchase-substituting agreement;
step three: applying for loan;
step four: paying off;
step five: paying and placing an order to a supplier, and sending the property right management terminal;
step six: purchasing insurance, installing a property right management terminal to an article, and carrying out logistics delivery;
step seven: the object enters the property right management information system and is tracked in real time in the whole process;
step eight: the object is signed into a position and locked;
step nine: the consumer pays the end money;
step ten: settling accounts;
step eleven: sending an unlocking request;
step twelve: and unlocking and taking the piece by the consumer.
After the scheme is adopted, the financial risk problem brought to the purchasing and financing process of the dealers in the automobile sales channel is well solved, the phenomenon of cheating loan is effectively avoided, manual collection is not needed, the financial cost is low, and the on-line overall process management process is completely realized.
Compared with the current manual supervision mode adopted by other companies or the mode completely depending on the risk carrying capacity of the vehicle-mounted trader, the patent has the obvious characteristics that: 1. the cost of the wind control process is reduced, 2, favorable evidence is obtained at the first time when an abnormality is found in the process, 3, even if the condition similar to 'no dependence' occurs, the condition can be compensated by a mode of an insurance bag bottom, 4, the process is fully intelligent, manual intervention is not needed, the use is simple and convenient, the complexity of the system is reduced relative to a user, 5, the full-process real-time control in the real sense is realized, the problem of two-meeting of manual examination is avoided, and meanwhile, the problem of cheating and lending does not exist.
Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, it will be apparent to those skilled in the art that changes may be made in the embodiments and/or equivalents thereof without departing from the spirit and scope of the invention. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (1)
1. The utility model provides a wind accuse management flow based on car purchase finance joined in marriage, its characterized in that, its whole system by, car consumption ecological chain comprehensive service platform, official business city, order dispatch platform, property right management information system, parking stall/certificate management system, third party service platform, the terminal store is gone off-line in the whole nation, third party service management terminal system, integrated management service terminal and user constitute, its concrete franchise flow as follows:
the method comprises the following steps: the merchant has an affiliation intent;
step two: a merchant submits an alliance application to an automobile consumption ecological chain comprehensive service platform through a mobile terminal;
step three: accepting an affiliation by an auditor;
step four: the merchant receives the short message receiving notice;
step five: the merchant verifies the real name;
step six: a merchant submits enterprise or personal data to an ecological chain comprehensive service platform for automobile consumption through a mobile phone;
step seven: the system automatically authenticates the real name;
step eight: the merchant receives the notice of the real-name verification short message;
step nine: the merchant verifies the qualification;
step ten: the merchant uploads the qualification data to the comprehensive service platform of the automobile consumption ecological chain;
step eleven: the examiner checks the qualification data;
step twelve: the merchant receives the notice of the qualification verification short message and formally becomes a partner;
step thirteen: applying for facility library equipment from a merchant to an automobile consumption ecological chain comprehensive service platform;
fourteen steps: the automobile consumption ecological chain comprehensive service platform prepares facility library equipment for a merchant;
step fifteen: the comprehensive service platform of the automobile consumption ecological chain informs the mailing electronic warehouse facility;
sixthly, the steps are as follows: a vehicle consumption ecological chain comprehensive service platform mailing electronic warehouse facility;
seventeen steps: installing facilities;
eighteen steps: butting a wind control platform;
nineteen steps: finishing the franchising;
twenty steps: updating the wind control evaluation information in real time;
in addition, the flow of the consumer when purchasing the automobile is as follows:
the method comprises the following steps: the consumers have buying intention and submit the consumer orders through the official shopping malls, and mutually exchange deposit and carry out intelligent distribution;
step two: paying a fund and signing a purchase-substituting agreement;
step three: applying for loan;
step four: paying off;
step five: paying and placing an order to a supplier, and sending the property right management terminal;
step six: purchasing insurance, installing a property right management terminal to an article, and carrying out logistics delivery;
step seven: the object enters the property right management information system and is tracked in real time in the whole process;
step eight: the object is signed into a position and locked;
step nine: the consumer pays the end money;
step ten: settling accounts;
step eleven: sending an unlocking request;
step twelve: and unlocking and taking the piece by the consumer.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711375353.XA CN107944763B (en) | 2017-12-19 | 2017-12-19 | Wind control management process based on automobile purchasing financial allocation |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201711375353.XA CN107944763B (en) | 2017-12-19 | 2017-12-19 | Wind control management process based on automobile purchasing financial allocation |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN107944763A true CN107944763A (en) | 2018-04-20 |
| CN107944763B CN107944763B (en) | 2021-07-16 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201711375353.XA Expired - Fee Related CN107944763B (en) | 2017-12-19 | 2017-12-19 | Wind control management process based on automobile purchasing financial allocation |
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| CN (1) | CN107944763B (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110084701A (en) * | 2019-04-26 | 2019-08-02 | 深圳前海风车科技服务有限公司 | Financing platform enters method, apparatus, computer equipment and storage medium |
| CN111861088A (en) * | 2020-03-02 | 2020-10-30 | 北京嘀嘀无限科技发展有限公司 | Vehicle leasing air control method and device |
| CN116542765A (en) * | 2023-07-06 | 2023-08-04 | 深圳市明心数智科技有限公司 | Vehicle management method and related equipment |
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| US20090144188A1 (en) * | 2007-11-29 | 2009-06-04 | Finance And Compliance Solutions | Apparatus, system and computer program product for a paperless credit application process |
| CN105678611A (en) * | 2016-03-03 | 2016-06-15 | 北京东方车云信息技术有限公司 | Method for mutually binding driver, driver side device and vehicle in network car renting |
| CN107220891A (en) * | 2017-05-26 | 2017-09-29 | 广东钱联钱网资产管理有限公司 | A kind of asset monitor and risk control pattern based on finance storage |
| CN107292736A (en) * | 2017-08-08 | 2017-10-24 | 广州翼速物联科技有限公司 | Loan for purchasing car and post-loan management system |
-
2017
- 2017-12-19 CN CN201711375353.XA patent/CN107944763B/en not_active Expired - Fee Related
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20090144188A1 (en) * | 2007-11-29 | 2009-06-04 | Finance And Compliance Solutions | Apparatus, system and computer program product for a paperless credit application process |
| CN105678611A (en) * | 2016-03-03 | 2016-06-15 | 北京东方车云信息技术有限公司 | Method for mutually binding driver, driver side device and vehicle in network car renting |
| CN107220891A (en) * | 2017-05-26 | 2017-09-29 | 广东钱联钱网资产管理有限公司 | A kind of asset monitor and risk control pattern based on finance storage |
| CN107292736A (en) * | 2017-08-08 | 2017-10-24 | 广州翼速物联科技有限公司 | Loan for purchasing car and post-loan management system |
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110084701A (en) * | 2019-04-26 | 2019-08-02 | 深圳前海风车科技服务有限公司 | Financing platform enters method, apparatus, computer equipment and storage medium |
| CN111861088A (en) * | 2020-03-02 | 2020-10-30 | 北京嘀嘀无限科技发展有限公司 | Vehicle leasing air control method and device |
| CN116542765A (en) * | 2023-07-06 | 2023-08-04 | 深圳市明心数智科技有限公司 | Vehicle management method and related equipment |
| CN116542765B (en) * | 2023-07-06 | 2024-03-26 | 深圳市明心数智科技有限公司 | Vehicle management method and related equipment |
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| CN107944763B (en) | 2021-07-16 |
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